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Our Process
Our History
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Our family working with your family

Our Process

We are fee-based advisors creating strategies tailored to your goals. We make complex planning easy.

Why a Fiduciary?

Someone who will advocate for you, your family and your future.

Our Values

Trust. Honesty. Integrity. Transparency. We believe values matter, and we live by ours every day.

Your Goals. Our Strategies.

We know you as a person not just an account.

  • Investments

    Smart investing shouldn’t perplex, puzzle, or confound. Our strategies may help you avoid even the deepest of pitfalls.

  • Retirement

    Enjoy the fruits of your labor. We can help you build a retirement strategy that is sure to keep you excited for what’s to come.

  • Estate

    Effective estate management enables you to manage your affairs during your lifetime and beyond. With decades of experience, we'll help secure your legacy for generations to come.

  • Insurance

    Our dedicated professionals can help create the insurance strategy you need. Protect your family, with our help, from the financial consequences of life's most-unexpected events.

Meet The Horizons Family

Put our experience to work for you.

About Us

One of the major benefits of working with Horizons Planning Corporation is having a set of experienced eyes review your goals, objectives and investment portfolio. What you don’t know can hurt you. 

We monitor and sort through the daily overload of financial and tax information on your behalf. Let our family be your financial coach in order to help optimize the use of your time and the results you achieve. In many cases, we are able to solve problems for you and your family that you didn't even know existed.

Experience the Benefits of working with Horizons Planning Corporation

Connect With Us

Scott E. Wiard


(734) 761-3155

(734) 761-5078

BA, Economics & Business, Spring Arbor College 1977. Scott has been in financial services since 1986 and has passed both securities and insurance licensing examinations. He has been with Horizons...

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Michael S. Wiard

Vice President

(734) 761-3155

(734) 761-5078

BA, Psychology, University of Michigan 2006. Michael has been employed full-time with Horizons Planning Corporation since graduation. Michael passed the investment adviser's examination (Series 65) in December 2007, and passed his Life...

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David J. Keosaian


(734) 761-3155

(734) 761-5078

MBA, Finance, University of Michigan 1984; MA, History, UCLA 1974; BA, University of Michigan 1972. David has completed the ChFC professional education program and has passed both securities and insurance licensing examinations. David...
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Mark Adams



BBA, Finance & Accounting, University of Michigan 2017. Mark worked in various financial roles for Whirlpool Corporation after graduation. Mark has been employed full-time with Horizons Planning Corporation since May 2, 2022. Mark...
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